Okies ty its much warmer in doors anyways

letter done. ACCOUNT IN DISPUTE Dear Sir/Madam, Your ref: I write with reference to your letter dated *******, the contents of which have been noted. As stated in a previous letter from myself dated *******, the charges are currently in DISPUTE with NatWest, therefore, any further attempts to collect will be in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines. Having received a letter AND an automated telephone call from yourselves today, 7th February 2009, you have just broken all the above, an offence which is not taken lightly. I would just like to reiterate that any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Any further pursuit from yourselves with regards to this debt WILL be reported without further warning or information. Yours faithfully Does this look ok? ta

Spoke to soon automated phonecall from AIC asking me to call.......yeah right. Letter required me thinks.

anyone?

I have just done a letter Dear whoever can be bothered to read this Thank you for your letter dated ****. The contents have been noted. However, I do have to disagree with you on the thirty days comment you have made. You have stated that the Consumer Credit Act gives you twelve days to provide the documentation requested, after which, a further thirty days is given to provide the documentation. As you should be aware the CPUTR (2008) removed the thirty days summary offence and is therefore irrelevant. I would suggest updating your system to show this in future letters you may send out. As the CCA was not provided after the twelve days as required by the Consumer Credit Act, this account remains in dispute and the following still applies. I then inserted from the 'This limit has expired' and all the information that followed, as taken from the account in dispute letter. Does this look ok? ta

Will do thanks for that.

Just received another letter! They must love me this week Basically its in repsonse to my letter informing them they are now in default of my CCA request. They are saying that the Consumer Credit Act (no section quoted) states they have 12+2 days (which i gave them before sending them the dispute letter WITHOUT the 30 days bit in it) after which they have 30 more days to comply. Now i'm sure i read somewhere this has now been done away with hence why I sent letter without it in. Or is this only applicable to agreements entered into after a certain date? Can someone clarify this for me please and point me in the direction of a letter with which i can respond to them with. thankyou

I'm on letter no.2 of exactly the same format, she must be a very busy person! Wonder if she ever gets fed up sending the same letter out over and over again Groundhog day springs to mind lol.

Another letter received saying they are still looking for my agreement, they must have hid it really well for it to take this long!

I've received a letter acknowledging my complaint about my bank charges and they are asking me to complete a customer financial statement form in accordance with FSA to see if I can be considered as suffering Financial Hardship. I have already sent AIC an I & E stating all this information, do I need to do it again? They also want an explanation of circumstances leading to my inability to meet my commitments. Again explained to AIC that I am now on benefits and unable to cover the interest they kept applying let alone start paying overdrafts off! I did make an offer of monthly payment to AIC but they refused. Do I respond to this letter they have sent or carry on with the LBA? I have also decided I will inform them of the breaches they have committed, as stated in earlier post. Does anyone have a good letter that I may use to help me with this? Thankyou Least AIC have gone all quiet now, its a small blessing

I think its disgraceful the way you have been treated and really feel for you both! I would get back onto the solicitors at Shelter and inform them what they are saying and maybe they can call on your behalf and insist someone else look at this for you. They can fax the form through to the letting agents and they can then fax it back once its completed. Its not as if they only have one person doing this job! I would also go with what others have said and get yourself a solicitor to investigate this whole fiasco, my feelings, which match with a previous poster, is telling me there is a Disability Discrimination going on here and also Human Rights as well and you need to show them they can't get away with it. My thoughts are with you both and I feel so saddened that this has been allowed to happen to you both.

Thanks for that rory32, like being at school making up rules as they go along to suit them grrrrr. Ok seeing as i have included the naughtily added interest in my claim, should i still do a letter to them pointing out they shouldn't have added it or keep that along with the naughtily added default as a 'card' for a later date if needed?

Hiya, thanks for that. I have kept a copy of my credit file showing the default and date by them in case it mysteriously disappears should i need it for a later date My credit is shot anyways but its the principle of the way they act, like you said, they haven't informed me that I have been defaulted on this file. I am claiming charges back on the defaulted account but unfortunately there is not enough to wipe off the debt so once things are sorted with them with regards to the charges then they can start having a repayment off me for the rest. The other account was an Advantage Gold but I didn't include the account fee in my claim as I thought I wasn't entitled to claim them back.

Ok might be me being silly and not reading things straight, in which case i apologise for wasting anyones time, it is early in morning after all! I received a Terminated Overdraft Notice from NatWest for my 2 accounts back at the beginning of December. It says on back Date of Notice 28/11/2008 on both of them and last interest applied according to this notice is 28/11/2008. Is this my Default Notice? Now..... There is a section on last page headed Office of Fair Trading Information Sheet. It says: This notice should include a copy of the current information sheet on arrears prepared by the Office of Fair Trading. This contains important information about your rights and where to go for support and advice etc. The bit im interested in is the part that says: Where you are making payments to our collection agent (im not its in dispute), there may be a gap of not more than 1 working day between the date our agent receives a payment from you and when we are notified of that payment. This notice shows the date of notification to us. However as we are not charging further interest on the outstanding debt you owe us this delay doesn't adversely affect you. Now the bit i have highlighted am i right in reading they are not charging any more interest to the account with effect from the date of notice which is 28/11/2008. If this is the case they have charged me interest on 31/12/2008 to both accounts, both of which i have included in my charges reclaim, but the point being should they be there in the first place?. Please can someone clarify if i am reading that right or wrong please. Also.....(sorry) On my credit file the default date for one of the accounts is shown as 31/10/2008 yet i only received this termination notice with the Notice of Date 28/11/2008 on it. The other account isn't even showing defaulted yet. Both accounts were updated on creditfile i have on 18/1/2009. Is this right? Can the default on the creditfile show a month early before i receive notice? Sorry for long post but im just a bit confused.

last lot of charges would probably have been around 2004/2005 and account was settled with DCA at a reduced settlement in 2006.

Womble don't be so hard on yourself, we have all done things we regard as the right thing to do at the time only to have it come back and bite us on the bum, whether it is our fault or not. At the end of the day you still have the love of your family and us lot on here to provide support and the help Big hug for ya

Like Lunar Jim said Why fuel the fire? For the ones that haven't made contact for 2 yrs, I would just wait until they do and then CCA them if applicable. With regards to the Lloyds overdraft, have you claimed back the bank charges that may have been added onto this? I would Subject Access Request them first off and see what charges they have added to your account and take it from there.

Hey cas93, it's shocking isn't it when you actually bundle all the charges 'under one roof' so to speak, the amount they have levied is scary! I sent my claim off yesterday so the waiting begins

Thats what i thought, but wasn't sure hence question, thankyou anyways rory32

Sorry, they were settled by way of a reduced settlement figure offer from the DCA, charges would go back to at least 2003.

Settled 2 x Barclaycards through 1st Credit about 2 years ago, this was before i know what i know now otherwise i wouldn't have sent them anything and gone down the CCA routes instead etc. My question is can I still claim unfair charges from them or will that not be possible because of the length of time that has passed?

yay way to go noomill060

If the account in question was involved in the bankruptcy then surely any money claimed from it belongs to the official receiver? Im sure someone who can answer this question for definate will be along soon

AIC are low life, I too had the bankruptcy threats and was laughed at by them down the phone, whipped off a letter to them stating all communication in writing only and any more harassment and i would report them, had 2 phone calls since but not returned them, been quiet now for about a week and i have just today sent them an Account in Dispute letter to go read in their coffee break, whos laughing now

Claim sent to NatWest today and Account in Dispute letter sent to AIC, wait and see what happens